If the program recognizes those with higher ratios of active users, couldn CUs simply short-cut their way onto the list by dropping non-active members?
This would be an obvious move and, we think, should be part of the strategy for achieving H-P status. But as everyone knows, this is a troublesome move to make. Nobody likes the idea of “cutting members loose”. The best move, obviously, is to convert non-using members to primary banking connections. But that’s not likely to happen. The fact is, most non-actives have cut themselves away from the CU already. They are getting their banking needs met– but at some other source. So yes, dropping inactive users would certainly up the accts/member ratio– once! From then on, the full effort must be extended.
